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Insurance

Compare Business Insurance Providers in South Africa

A business policy is a set of sections. Cover for the premises, stock, liability or interruption is only there when that section is on the schedule.

Premiums, excesses, contributions and cover depend on your circumstances and the policy or scheme rules. Confirm the final terms before you buy. Information checked 29 October 2026.

Compare providers

The provider name links to the WiT Money profile where one exists. The gold button opens the recorded website. It is not a quote and not an application.

4 of 4 products, in provider name order. A missing premium, contribution or excess is not shown as zero, and nothing is ranked as cheapest. A filter matches the published line. It does not decide that you qualify.

  • Bryte Insurance logo
    Bryte Insurance

    Commercial insurance

    Insurer

    Premium
    Personalised quotation. A premium is not printed on this card.
    Excess
    Confirm the excess on the quote and the policy schedule.

    Underwriter or legal entity. Confirm the legal insurer on the policy schedule.

    What the product line describes. Buildings, stock, business interruption, employer/general/public liability

    Advantages

    • Tailored commercial protection including complex risks

    Considerations

    • Broker/quote process and product complexities

    Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.

    Visit official website (opens in a new tab)

    Estimate with figures you type

  • King Price logo
    King Price

    King Price Business

    Insurer/brand

    Premium
    Personalised quotation. A premium is not printed on this card.
    Excess
    Confirm the excess on the quote and the policy schedule.

    Underwriter or legal entity. Confirm the legal insurer on the policy schedule.

    What the product line describes. Commercial policy wording describes business sections including motor classes

    Advantages

    • Public policy document provides wording for due diligence

    Considerations

    • Must verify actual product suitability and legal issuer

    Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.

    Visit official website (opens in a new tab)

    Estimate with figures you type

  • MiWay logo
    MiWay

    MiWay Business

    Insurer/brand

    Premium
    Personalised quotation. A premium is not printed on this card.
    Excess
    Confirm the excess on the quote and the policy schedule.

    Underwriter or legal entity. Confirm the legal insurer on the policy schedule.

    What the product line describes. Business assets, goods in transit and vehicle-related sections

    Advantages

    • Tailored cover structure
    • Business services

    Considerations

    • Final cover depends on individually selected sections

    Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.

    Visit official website (opens in a new tab)

    Estimate with figures you type

  • Standard Bank Insurance logo
    Standard Bank Insurance

    Corporate risk management and insurance

    Bank distributor/intermediary. Confirm which company issues the policy.

    Premium
    Personalised quotation. A premium is not printed on this card.
    Excess
    Confirm the excess on the quote and the policy schedule.

    Underwriter or legal entity. Confirm the legal insurer on the policy schedule.

    What the product line describes. Property/vehicles, business interruption, public liability, D&O, marine

    Advantages

    • Broad commercial risk suite

    Considerations

    • Distribution via bank/broker
    • Insurer identity needs per-policy validation

    Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.

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    Estimate with figures you type

Compare selected products

Choose up to three from this page. A missing benefit is not treated as excluded. Confirm it in the wording.

No products selected.

Not shown as a current product

  • Santam. Commercial / business insurance. Confirm with the provider before treating it as available.
  • OUTsurance. Business insurance. Confirm with the provider before treating it as available.
  • Discovery Business Insurance. Discovery Business Insurance. Confirm with the provider before treating it as available.
  • Hollard. Commercial insurance. Confirm with the provider before treating it as available.
  • Old Mutual Insure. Business and commercial insurance. Confirm with the provider before treating it as available.
  • SHA / Santam Specialist. Specialist liability and commercial risks. Confirm with the provider before treating it as available.
  • Sasria. Special risks cover (supplemental). Confirm with the provider before treating it as available.

Estimate with your own figures

Type the amounts you want to test. The result uses those amounts only. It does not fetch a quote, and it does not decide a claim.

Leave a box empty when you do not have that figure. An empty box is not R0. This does not approve a claim or set your premium.

How to read this comparison

Assets, public liability, professional indemnity, employers' liability, business interruption, stock, theft, fire, cyber and goods in transit are separate sections. A generic business policy does not include all of them.

The business activity on the proposal matters. A change of work, a vacant premises, or a missing security condition can affect a claim. Premiums on these rows are personalised unless a rand figure is already printed.

A business has different risks from a household. Stock, tools, public liability, cyber incidents, commercial vehicles and the death of a key person do not fall under a personal contents policy. Many home policies exclude business use outright.

Buy the covers that match how the business actually operates. A consultant working from a laptop does not need the same schedule as a workshop. WiT Money does not broker business policies and does not publish premiums.

How the cover works

Assets and interruption

Property and stock cover the things. Business interruption cover replaces gross profit for a period after an insured event. One without the other can leave you with a rebuilt premises and no income.

Liability

Public liability responds when someone is injured or their property is damaged and you are legally liable. Professional indemnity is for advice. They are different policies.

People

Key-person cover and buy-and-sell agreements are life policies with a business purpose. They need a contract between the owners, not only an insurance schedule.

What to check

  • The risk

    Premises, advice, vehicles, stock or people.

  • Sum insured

    Replacement of stock at cost, and gross profit on a basis your accountant recognises.

  • Exclusions

    Gradual deterioration, defective workmanship, cyber, and contractual liability you assumed.

  • The insurer

    Authorisation, once checked.

Risks

  • A personal policy used for a side business.
  • No public liability on a premises the public enters.
  • A buy-and-sell policy with no underlying agreement.

Claims and complaints

Report a claim to the insurer, scheme or administrator named on your documents, in the way the policy or scheme rules describe. WiT Money does not decide the claim. If you have complained to that organisation and you are still not satisfied, the National Financial Ombud Scheme handles certain financial complaints, and the Council for Medical Schemes handles medical scheme complaints. Take the policy schedule, the rejection letter and the claim documents with you.

How WiT Money compares these products

Products stay in provider name order. A car excess, a funeral benefit, a medical scheme contribution and a pet plan are not sorted against one another. Nothing is ranked as the cheapest. A listed name is not a recommendation, and WiT Money does not sell the policy. Where this site has the provider's logo, it is shown. Otherwise the name is shown without a mark. An FSP number or a scheme registration number is not printed unless the recorded page already states it, and it is not a register check by WiT Money.

Questions readers ask

Does my home contents policy cover my business laptop?

Often only if the policy allows business use, and often not for stock or liability. Read the exclusions. When in doubt, ask the insurer in writing.

What is business interruption?

Cover for the income you lose after an insured event damages the business. It is not cover for a quiet month, and it is not cover for a pandemic unless the wording says so.

Do you arrange cover?

No. Speak to an authorised financial services provider if you want advice or a policy.

Related products

Guides

Other insurance pages

Sources

Page updated 29 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.